5 car insurance tips for clunker coverage

Kick 'comp' to the curb
3 of 7

Comprehensive car insurance covers your car for risks such as theft, vandalism and acts of nature that are beyond your control.

The latest Insurance Information Institute figures put the national average cost of comprehensive insurance at less than half that of collision -- $136 on an average $795 policy, making it a reasonably affordable hedge against random events.

Your key question: Could you afford to replace or do without your vintage ride if it were stolen or destroyed by a falling tree?

"The cost is pretty low, so you don't drop it necessarily as fast as collision, but at some point you just drop comp, too," says Hunter.




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